06/03/2026
INSURANCE INSIGHTS
❓What is a frequency limitation?
A frequency limitation, sometimes called a type of annual limit, is a rule in health, dental, or vision insurance that restricts how often a specific service is covered—usually once within a set time period, like once per calendar year or once every 12 months.
🦷 Example: If your dental plan covers one cleaning every 6 months, that’s a frequency limitation.
Some plans require you to wait the full time period before receiving the service again, while others allow you to receive it once within that time frame, regardless of the exact date.
🚦 Example: One plan may require exactly 365 days between annual checkups, while another allows one per calendar year (e.g., Jan–Dec), even if appointments are just months apart.
📞 Not sure how your plan handles these details? We’re here to help you make sense of it all!